Merrill Burchell, Car Insurance Writer
@merrill_burchell
The 12 states that require PIP insurance, also known as personal injury protection, are Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, and Utah. Eleven of these states are “no-fault” states.
In addition, Pennsylvania law requires drivers to purchase $5,000 in medical benefits, but does not mention PIP specifically. PIP coverage is also available, but optional, in seven additional states, plus the District of Columbia.
PIP States
State | PIP Policy | No-Fault State? | Minimum PIP Coverage |
Optional | No | $5,000 per person | |
Required | No | $15,000 per person $30,000 per accident $5,000 for funeral services | |
Required | Yes | $10,000 per person $5,000 death benefit | |
Required | Yes | $10,000 per person | |
Required | Yes | $4,500 per person $4,500 for rehab services $2,000 burial benefit $900 per month for disability/lost wages for one year $25 per day for in-home services for one year | |
Optional | Choice-no fault | $10,000 per person, per accident | |
Optional | No | $2,500 | |
Required | Yes | $8,000 per person, per accident | |
Required (drivers who receive Medicare can opt out as of July 2020) | Yes | $0 to $500,000+ per person, per accident | |
Required | Yes | $40,000 per person, per accident ($20,000 for medical costs, $20,000 for non-medical expenses like lost wages) $2,000 for funeral expenses | |
Required | Choice no-fault | $15,000 per person, per accident ($250,000 for certain life-altering injuries) | |
Required | Yes | $50,000 per person $2,000/month for up to three years for lost income $25/day for one year for care $2,000 death benefit | |
Required | Yes | $30,000 per person | |
Required | No | $15,000 per person $3,000 per month for one year for lost income $5,000 for funeral expenses $30 per day for household services for one year $25 per day for childcare (up to $750) | |
Medical Benefits Required | Choice no-fault | $5,000 per person, per accident | |
Optional | No | No minimum coverage requirement | |
Optional | No | $2,500 per person | |
Required | Yes | $3,000 per person $250 or 85% of gross income per week for one year for lost wages $20 per day for one year for household services $1,500 per person for funeral expenses $3,000 death benefit | |
Optional | No | $2,000 per person $100/week for lost wages for up to 12 months (in some cases) | |
Optional | No | $10,000 per accident $2,000 for funeral expenses $200/week for lost income (up to $10,000) $200/week for household services (up to $5,000) | |
Optional | No | $50,000 per person $12,000 per person for lost wages $4,000 for funeral expenses |
Note: Only Kentucky, New Jersey and Pennsylvania allow drivers to opt out of the no-fault insurance system.
*Michigan drivers can select a PIP limit of $250,000, a $500,000 limit, or unlimited PIP coverage. Drivers enrolled in Medicaid may qualify for a limit of $50,000. Drivers can opt out of PIP coverage entirely if they have Medicare Parts A and B and members of their household have health insurance that covers accident related injuries with a deductible of $6,000 or less (or Medicare Parts A and B).
**Pennsylvania law requires that drivers carry medical benefits coverage, not PIP insurance specifically.
PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses can include things like ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.
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